– AAA Lendings Portfolio Program – AAA Lendings Detail:
Overview
Portfolio Bank Statement
Portfolio DSCR
Portfolio Foreign National DSCR
* Retail Only
Details
1) 5/6 ARM 30 Day Average SOFR (5/1/5);
2) Buydown ratio under par 1:2;
3) Range of Loan Amount $500,000 – $5,000,000.
* Buyup ratio over par unacceptable
What’s this program?
Portfolio Bank Statement
1) Lender Fee same as portfolio program;
2) Trust/Entity Review, if applicable $300;
3) TX Doc Review, if applicable $150;
4) Bank Statement Income LTV Max 65%;
5) Bank Statement – Interest Only Max LTV 60%;
6) Minimum Loan Amount $500,000;
7) Foreign National – Not Eligible;
8) 18-Month Pre-Payment Penalty is equal to 6 months interest.
Portfolio DSCR
1) Lender Fee same as portfolio program;
2) Trust/Entity Review if applicable $300;
3) TX Doc Review if applicable $150;
4) Minimum Loan Amount $500,000;
5) Foreign National – Not Eligible;
6) Minimum DSCR 1.000;
7) Loan Made to Natural Person – No Entity Borrowers;
8) 2-4 Unit Property Eligible and 5% Reduction in Max LTV/CLTVs on Matrix;
9) 18-Month Pre-Payment Penalty is equal to 6 months interest.
Portfolio FN DSCR
1) Lender Fee same as portfolio program;
2) Trust/Entity Review if applicable $300;
3) TX Doc Review if applicable $150;
4) Foreign National Review $250;
5) Minimum Loan Amount $500,000;
6) Minimum DSCR 1.000;
7) Interest Only – Not Allowed;
8) Power of Attorney – Not Allowed;
9) Pre-Payment Penalty (Investor only) is 18 months and equal to 6 months interest.
How to Calculate Portfolio DSCR?
DSCR shall be calculated as follows: DSCR = *Net Rental Income ÷ Qualifying Monthly Payment (P and I only);
*Net Rental Income = Gross Rents * (1 – Expense Factor);
Expense Factors: Property without HOA = 25%, Property with HOA = 30%;
Rent will be the lesser of: Current lease income or the amount on the 1007 provided by the appraiser showing the estimated market rent schedule.
Product detail pictures:

Related Product Guide:
The dream of homeownership isn't limited to traditional homebuyers. At AAA LENDINGS, we have specialized programs to cater to non-traditional borrowers. If you're self-employed, have a fluctuating income, or face unique financial circumstances, our loan options can capture your interest. We embrace diversity in borrowers and actively seek out innovative lending solutions, ensuring that your journey to homeownership remains engaging, regardless of your financial situation. – AAA Lendings Portfolio Program – AAA Lendings , The product will supply to all over the world, such as: Seychelles , Doha , Azerbaijan , Good quality, Good service is always our tenet and credo. We take every effort to control the quality, package, labels etc and our QC will check every detail during producing and before shipment. We are willing to establish long business relationship with those who seek the high quality products and good service. We have set up a wide sales network across European countries, North of America, South of America, Middle East, Africa, East Asia countries.Please contact us now, you will find our professional experience and high quality grades will contribute to your business.

Timely delivery, strict implementation of the contract provisions of the goods, encountered special circumstances, but also actively cooperate, a trustworthy company!
